Retirement Perspectives

End of 2009 Balance: $26,529.33 | Current 2010 Balance: $28,460.37
Additional Contributions since 2009: $2,558.72
Growth: $-627.68 (-3.95%)

401 Account: Approximately 3.03 % of my portfolio
• Contributions: $884.38 (Employer Paid 1% of Salary)
• Worth $863.60
o Down 2.35% from inception, -$20.78
o VPRKX (Target date 2040) (86.0156 shares)

457 Account: Approximately 3.63% of my portfolio
• Discontinued Employer funded plan that I can’t close… interest=pennies
o Positive $1,033.87

ING DIRECT Roth IRA: Approximately 9.15% of my portfolio
$2,500.00 Invested| Worth $2,604.94
Up 4.20% from inception +$104.94
-CD’s ranging from 1.25% to 4.5%

ShareBuilder Roth IRA Approximately 43.72% of my portfolio
• $13,000.00 Invested | Worth $12,443.31
o DOWN 4.28% since inception… -556.69
o IDSLX $10,061.98| I have 1,265.658 Shares
o ARDVX $1,631.32 | 199.428 Shares
o Money Market Cash: $500.01
o Not deposited Contributions: $250.00

I got the new Vanguard Application… but I’m going to sit on it until I can sell off all of IDSLX. At $8.42 a share I don’t loose anything. It’s currently at $7.95 a share. If my account gets positive (Like if ARDVX bounces back since I’m still buying that) I’ll sell ING for less than $8.42. I’m not sure if there’s still an option to buy more of it since they are eliminating the fund soon…

Pension: Approximately 40.46% of my portfolio
If I quit tomorrow, I’d just have the cash in the account (earning an automatic 6% until withdrawn).

Total: $11,514.65

• I’m currently buying additional time in my retirement accounts from when I was 16-18 years of age (Cal PERS service prior to membership). It’s less than a year’s worth of service credit, but I’ll be paying $33.06 for 25 more installments (made 27 payments out of 52).

My entire portfolio (if I cashed my pension out today) is worth $28,460.37